Startup Atlas · Consumer Lending

Fibe

EarlySalary Services Private Limited ● Pune, Maharashtra ● Founded 2015 ● fibe.in ↗

Akshay Mehrotra · Co-founder, Managing Director & Group CEO Ashish Goyal · Co-founder, Chairperson, Executive Director & Group CFO

$266.2 MnTotal funding (tracked)

7Funding rounds

9 Dec 2025Last round

Fibe: Business Model Canvas

The nine-block Business Model Canvas, filled in only where a public source states it — empty blocks mean we haven't found a citable fact yet, not that the answer is zero.

Value Propositions

Instant, accessible credit up to Rs 5 lakh

Fibe provides accessible financial lending solutions up to Rs. 5 lakhs to working professionals.

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Salary-advance style short-term loans, fast disbursal

Loan amounts from Rs 8,000 to 2 lakh with repayment periods from 7 days to one month; the company claimed 70% of loans are given in under 10 minutes.

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Customer Segments

Young salaried professionals

Fibe's Series D press release describes the company as India's largest consumer lending fintech providing accessible financial lending solutions to working professionals, with a customer-first approach to providing credit to young middle-income Indians.

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Aspirational tech-savvy Indian consumers3.3M+ customers served

Fibe describes itself as a one-stop financial solution fueling the aspirations of the young, tech-savvy Indian.

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Customer Relationships

No cited public information yet.

Channels

Mobile app

Digital-first, mobile app-based lending platform; Fibe's app has recorded 46+ million downloads as of the company's disclosed metrics.

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Key Activities

AI/ML-driven underwriting and risk assessment

Artificial intelligence, machine learning, and data science drive efficiency across customer onboarding, risk management, underwriting, and fraud prevention.

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Key Resources

No cited public information yet.

Key Partnerships

Axis Bank (credit cards)

Fibe's product suite includes credit cards offered in partnership with Axis Bank.

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Narayana Health (CareNow PayLater)

Fibe entered a strategic partnership with Narayana Health, announced January 16, 2023, to offer CareNow PayLater medical expense loans of up to Rs 10 lakh for elective and non-elective treatments.

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Revenue Streams

Interest income on loans

Interest on loans is Fibe's largest revenue line, crossing Rs 1,000 crore in FY25 (over 80% of operating revenue), per Entrackr's FY25 financial report.

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Guarantee premium income

Guarantee premium income reached Rs 104 crore in FY25, up 83% year-on-year, per Entrackr's FY25 financial report.

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Cost Structure

No cited public information yet.

FAQs on Fibe

What is Fibe's business model?

Fibe's core value proposition centers on Instant, accessible credit up to Rs 5 lakh, Salary-advance style short-term loans, fast disbursal.

How does Fibe make money?

Fibe's cited revenue streams include Interest income on loans, Guarantee premium income.

Sources & corrections. Every fact on this page is compiled from cited public sources — follow the “source” links beside each entry. Profile sources: www.fibe.in · Last verified 21 Jul 2026. · Report a correction